Updated October 2026See what a monthly SIP could grow into. Enter your monthly investment, an expected annual return and the period — the calculator compounds monthly and shows invested versus gains.
SIP Calculator
Annual Step-Up
SIP Calculator
P = ₹1,000; r = 12% ÷ 12; n = 12; FV = P × (((1 + r)n − 1) ÷ r) × (1 + r) ≈ ₹12,809.33.
Frequently Asked Questions
How does a SIP calculator work?
It applies the future value of an annuity: each monthly instalment compounds for the remaining months, and the results are summed.
What return rate should I assume?
Equity funds have historically returned roughly 10–12% annually over long periods, but past returns do not guarantee future ones. Model a pessimistic case too.
Are SIP returns guaranteed?
No. SIPs are market-linked investments. The calculator projects a scenario from your assumed rate — it is not a promise.